I have been going to Thailand for the last 17 years and I am 77 years old never had health insurance. 10 years ago I slipped coming out of the pool dislocated my shoulder and got a splinter that turned poisonus I went to the hospital in Pattaya cost £100 so I never bothered if you have a credit card don't worry
I have been going to Thialand for 17 years iam 77 have never paid for insurance hospital are quite cheap had plenty of of times as long as if you have a credit card .